How can I figure out the total time it would take the chosen car and driver to complete the race under the specified conditions?

The selected driver's recklessness modifier may affect the likelihood of accidents, which could add time to the total race duration.

Driver $1=1\mathrm{.}1$x

Driver $2=1\mathrm{.}2$x

Driver $3=1\mathrm{.}3$x

A wet road will reduce the car's speed and increase race time by $1\mathrm{.}3$x due to reduced speed control. The road modifier should be applied after the driver modifier.

How do we calculate the total time it will take for the chosen car and driver to complete the race under the specified conditions?

Please give a formula.